Odwołanie Noclegu Premium - Europäische Reiseversicherung

Odwołanie Noclegu Premium - Europäische Reiseversicherung

Odwołanie Noclegu Premium
Świadczenia
Rezygnacja z podróży
do wysokości ceny wybranej wycieczki
(bez franszyza redukcyjna)
rozszerzone przyczyny odwołania
W przypadku wycieczek wykupionych przed dniem zawarcia umowy ubezpieczenia ochrona ubezpieczeniowa dotycząca świadczenia 1. rozpoczyna
się dopiero dziesiątego dnia od daty zawarcia umowy ubezpieczenia (z wyjątkiem wypadku, śmierci lub ryzyka elementarnego).
1. Koszty odwołania w przypadku niepodjęcia podróży
Przerwanie podróży
2. Zwrot wykupionych, lecz niewykorzystanych usług turystycznych
do wysokości ceny wybranej wycieczki
Opóźniony przyjazd
3. Zwrot dodatkowo poniesionych kosztów noclegu i wyżywienia podczas podróży docelowej
do kwoty 400 EUR
Niedobrowolne przedłużenie pobytu
do kwoty 2.000 EUR
4. Zwrot dodatkowo poniesionych kosztów noclegu i wyżywienia w miejscu pobytu
Akcja poszukiwawcza i ratownicza, również z udziałem helikoptera
5. Koszty akcji poszukiwawczej i ratowniczej w razie wypadku, znalezienia się w niebezpieczeństwie
w górach lub na wodzie
do kwoty 7.500 EUR
Świadczenia po wypadku
6. Transport do szpitala
do 100 %
do kwoty 1.000 EUR
(100 EUR franszyza redukcyjna)
do kwoty 1.000 EUR
do kwoty 1.000 EUR
50 EUR za każdy pozostały dzień
7. Koszty zapewnienia doraźnej pomocy medycznej
8. Transport do domu lub dodatkowe koszty podróży powrotnej
9. Sprowadzenie pojazdu, jeżeli kierowca nie jest w stanie wrócić sam
10. Odszkodowanie za gips
Całodobowy telefon alarmowy i natychmiastowa pomoc
tak
Ochrona ubezpieczeniowa obejmuje jedną podróż na terenie Europy o czasie trwania do 31 dni. Podstawę umowy ubezpieczenia stanowią
EUROPÄISCHE travel insurance conditions (Hotel Industry) 2012 (ERV-RVB Hotel Industry 2012) w wersji angielskiej, które znajdą Państwo na
kolejnych stronach. Wszystkie świadczenia ubezpieczeniowe mają charakter subsydiarny. Ubezpieczający: Europäische Reiseversicherung
AG, Kratochwjlestraße 4, A-1220 Wien. tel. +43/1/317 25 00-73930, fax +43/1/319 93 67.E-mail: [email protected], www.europaeische.at.
Siedzibą Ubezpieczającego jest Wiedeń. Wpis do rejestru handlowego HG Wien FN 55418y, nr elektronicznego przetwarzania danych DVR-Nr.
0490083. Spółka należy do grupy koncernu Assicurazioni Generali S.p.A., Triest, figurującej w Rejestrze Grup Ubezpieczeniowych
prowadzonym przez włoski urząd nadzoru towarzystw ubezpieczeniowych IVASS pod numerem 026. Urząd nadzorczy: austriacki Urząd
Nadzoru Bankowego FMA , dział: nadzór towarzystw ubezpieczeniowych, Otto-Wagner-Platz 5, A-1090 Wien.
Składki
Całodobowy numer alarmowy
na jedną podróż na terenie Europy do 31 dni
Cena wycieczki do
Składka
Cena wycieczki do
Składka
200 EUR
300 EUR
400 EUR
500 EUR
600 EUR
800 EUR
1.000 EUR
1.200 EUR
1.400 EUR
1.600 EUR
1.800 EUR
2.000 EUR
2.500 EUR
15 EUR
20 EUR
26 EUR
33 EUR
39 EUR
52 EUR
65 EUR
78 EUR
90 EUR
102 EUR
114 EUR
125 EUR
155 EUR
3.000 EUR
3.500 EUR
4.000 EUR
4.500 EUR
5.000 EUR
6.000 EUR
7.000 EUR
8.000 EUR
9.000 EUR
10.000 EUR
12.000 EUR
15.000 EUR
185 EUR
214 EUR
242 EUR
270 EUR
300 EUR
360 EUR
420 EUR
480 EUR
540 EUR
600 EUR
780 EUR
975 EUR
tel. +43/1/50 444 00
Europäische Reiseversicherung AG,
Kratochwjlestraße 4, A-1220 Vienna
Centrum Obsługi Klienta: tel. +43/1/317 25 00-73930
fax +43/1/319 93 67-73930,
e-mail: [email protected],
www.europaeische.at
W przypadku zawarcia ubezpieczenia kosztów Odwołania
Noclegu Premium dla kilku wspólnie podróżujących osób,
należy wybrać składkę w oparciu o kwotę stanowiącą
sumę cen wycieczek wszystkich podróżnych (w tym
wszelkich zarezerwowane świadczeń dodatkowych i
koszty podróży).
Należy zwrócić uwagę, że maksymalna suma ubezpieczenia
w przypadku rezygnacji z podróży przypadająca na każdą
wykupioną wycieczkę/zdarzenie ubezpieczeniowe wynosi
15.000 EUR. Wyższa suma ubezpieczenia możliwa jest
wyłącznie za pisemną zgodą Europäische.
Przyczyny rezygnacji z podróży / przerwania podróży objęte ubezpieczeniem
Następujące zdarzenia stanowią objęte ubezpieczeniem przyczyny rezygnacji z podróży lub przerwania podróży, jeżeli na skutek ich zaistnienia
podróżny nieoczekiwanie nie będzie w stanie podjąć podróży lub będzie zmuszony ją przerwać:
 nagła ciężka choroba, ciężkie obrażenia ciała na skutek wypadku, skutki uboczne szczepionki lub śmierć;
 poluzowanie protezy stawu;
 nagła ciężka choroba, ciężkie obrażenia ciała na skutek wypadku lub śmierć (także samobójstwo) członka rodziny, jeżeli zdarzenie to wymaga
bezwzględnej obecności Ubezpieczonego;
 ciąża, jeżeli została ona stwierdzona po wykupieniu wycieczki, lub ciężkie powikłania podczas ciąży włącznie 35-sza tydzień ciąży;
 znaczna szkoda w mieniu Ubezpieczonego powstała w miejscu jego zamieszkania w wyniku ryzyka elementarnego (np. powódź, burza), ognia,
pęknięcia rury wodociągowej lub będąca następstwem przestępstwa dokonanego przez osoby trzecie, jeżeli zdarzenie to wymaga bezwzględnej
obecności Ubezpieczonego;
 niezawiniona utrata miejsca pracy w wyniku wypowiedzenia przez pracodawcę;
 powołanie do zasadniczej służby wojskowej lub służby zastępczej;
 wniesienie pozwu o rozwód lub o rozwiązanie zarejestrowanego związku partnerskiego przed rozpoczęciem przez małżonków/partnerów wspólnej podróży;
 rozwiązanie związku partnerskiego (ten sam adres zameldowania od 6 miesięcy) poprzez rezygnację ze wspólnego miejsca zamieszkania przed
rozpoczęciem przez partnerów wspólnej podróży;
 niezdanie egzaminu dojrzałości lub innego równoważnego egzaminu kończącego przynajmniej trzyletnią edukację szkolną;
 niespodziewane doręczenie Ubezpieczonemu wezwania do sądu.
Na następnej stronie znajdą Państwo rozszerzone przyczyny Odwołania Noclegu Premium.
Stan na 07/2012
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Odwołanie Noclegu Premium: rozszerzone przyczyny odwołania
Odwołanie Noclegu Premium dodatkowo zawiera następujące przyczyny rezygnacji z podróży / przerwania podróży, które są objęte ubezpieczeniem
 złamanie protezy;
 przeszczep organu – jako dawca lub biorca;
 nagła ciężka choroba, ciężkie obrażenia ciała na skutek wypadku lub śmierć opiekuna niepełnoletniego lub wymagającego opieki członka rodziny,
jeżeli zdarzenie to wymaga bezwzględnej obecności Ubezpieczonego;
 nagła ciężka choroba, ciężkie obrażenia ciała na skutek wypadku lub śmierć pracownika lub kolegi zastępującego Ubezpieczonego w pracy, jeżeli
zdarzenie to wymaga bezwzględnej obecności Ubezpieczonego;
 złożenie wypowiedzenia przez pracownika lub kolegę zastępującego Ubezpieczonego w pracy, jeżeli zdarzenie to wymaga bezwzględnej obecności Ubezpieczonego;
 rozwiązanie związku partnerskiego (trwającego od przynajmniej 6 miesięcy, również bez wspólnego miejsca zamieszkania) przed rozpoczęciem
przez partnerów wspólnej podróży (wymagane jest złożenie oświadczenia przez obu partnerów);
 porwanie lub zaginięcie członka rodziny;
 czyn karalny pod groźbą użycia lub przy użyciu przemocy wobec Ubezpieczonego;
 znaczna szkoda finansowa (powyżej 5.000 EUR) na skutek przestępstwa przeciwko mieniu (kradzież, uszkodzenie mienia itp.) lub wypadku
mającego miejsce w okresie jednego miesiąca poprzedzającego rozpoczęcie podróży;
 kradzież biletu, paszportu lub prawa jazdy koniecznego do odbycia podróży;
 uszkodzenie lub kradzież prywatnego pojazdu Ubezpieczonego, którym miał on udać się w podróż przed lub w trakcie bezpośredniej podróży do
wakacji;
 wypadek drogowy bezpośrednio w drodze na dworzec/lotnisko/do portu z udziałem prywatnego pojazdu Ubezpieczonego;
 nagła ciężka choroba lub powstałe na skutek wypadku ciężkie obrażenia ciała psa, kota lub konia (zwierzęta domowe) Ubezpieczonego, jeżeli
zdarzenie to wymaga bezwzględnej obecności Ubezpieczonego;
 pomoc sąsiedzka udzielana przez Ubezpieczonego w razie katastrofy;
 pomoc ofiarom katastrofy jako członek straży pożarnej lub służb ratowniczych;
 powołanie do odbycia ćwiczeń wojskowych żołnierzy rezerwy;
 nieprzewidziane podjęcie nowego zatrudnienia, jeżeli objęta ubezpieczeniem podróż przypada na okres pierwszych 6 miesięcy nowego zatrudnienia;
 niezdanie egzaminu (szkoła/uniwersytet), jeżeli termin egzaminu poprawkowego został nieoczekiwanie wyznaczony na czas podróży;
 w przypadku wycieczki klasowej niezdanie ucznia do następnej klasy;
 bezpośrednio przed wycieczką niezaliczenie ostatniej klasy w szkole o co najmniej trzyletnim cyklu nauczania;
 odwołanie ślubu, który był powodem podróży (za każdy odwołany ślub maksymalna wysokość zwrotu wynosi 40.000 EUR).
Za członków rodziny uważani są małżonkowie (wzgl. partner/ka w zarejestrowanym związku partnerskim lub konkubent/konkubina zamieszkujący/a
we wspólnym gospodarstwie domowym z Ubezpieczonym), dzieci (przybrane/pasierbowie, zięciowie/synowe, wnuki, dzieci wychowywane w
rodzinie zastępczej), rodzice (ojczym/macocha, teściowie, dziadkowie, rodzice zastępczy), rodzeństwo i szwagier/szwagierka/bratowa
Ubezpieczonego, a w przypadku partnera/partnerki w zarejestrowanym związku partnerskim lub konkubenta/konkubiny zamieszkujących we
wspólnym gospodarstwie domowym z Ubezpieczonym - dodatkowo dzieci, rodzice i rodzeństwio tej osoby.
Ograniczenia ochrony ubezpieczeniowej
Rezygnacja z podróży / przerwanie podróży
Ochroną ubezpieczeniową nie są objęte przypadki, w których przyczyna rezygnacji z podróży lub przerwania podróży
 była znana lub można ją było przewidzieć;
 jest związana z istniejącą chorobą Ubezpieczonego, jego członka rodziny, opiekuna lub współuczestnika podróży, jego członka rodziny lub opiekuna, jeżeli choroba ta była leczona (z wyjątkiem badań kontrol-nych)
– ambulatoryjnie w okresie ostatnich 6 miesięcy lub
– w warunkach szpitalnych w okresie ostatnich 9 miesięcy
przed datą zawarcia umowy ubezpieczenia (w przypadku rezygnacji z podróży) lub przed datą rozpoczęcia podróży (w przypadku przerwania podróży).
Postępowanie w razie zaistnienia zdarzenia ubezpieczeniowego?
Prosimy o kontakt w języku
niemieckim lub angielskim.
Zdarzenia ubezpieczeniowe należy zgłosić
nam jak najszybciej:
 fax: +43/1/319 93 67-73930
 adres pocztowy:
Europäische Reiseversicherung AG
Service Center
Kratochwjlestraße 4
A-1220 Vienna
 e-mail: [email protected]
 zgłaszanie szkód za pomocą formularza
na stronie internetowej
www.europaeische.at/en/claim
W akcja poszukiwawcza i ratownicza
wypadkach prosimy o niezwłoczny kontakt
pod całodobowym numerem alarmowym:
+43/1/50 444 00
W razie pytań prosimy o kontakt telefoniczny z Centrum Obsługi Klienta:
od poniedziałku do piątku w godz.
od 8:00 do 18:00
tel.: +43/1/317 25 00-73930
Stan na 07/2012
Formularz(e) zgłoszenia szkody można
zamówić telefonicznie, faksem, drogą
pocztową lub e-mailem lub pobrać z
naszej strony internetowej.
Rezygnacja z podróży: Jeżeli nie mogą
Państwo podjąć podróży, proszę niezwłocznie
poinformować sprzedawcę wycieczki (np.
hotel, pensjonat) o rezygnacji z podróży i
jednocześnie powiadomić o tym fakcie Centrum Obsługi Klienta Europäische Reiseversicherung (faksem, drogą pocztową, e-mailem
lub korzystając z formularza online).
Dokonując zgłoszenia należy podać następujące dane: imię, nazwisko, adres, termin
podróży, datę i przyczynę rezygnacji, potwierdzenie wykupienia wycieczki oraz dokument
ubezpieczeniowy.
W razie choroby/wypadku należy przedłożyć
szczegółowe zaświadczenie lekarskie /raport z
wypadku – w tym celu proszę korzystać z
formularza zgłoszenia szkody. O chorobie
należy powiadomić ubezpieczenie społeczne.
Przerwanie
podróży:
W
razie
choroby/wypadku należy jeszcze na miejscu poprosić o wystawienie szczegółowego zaświadczenia lekarskiego/raportu z wypadku
włącznie z postawioną diagnozą.
Opóźniony przyjazd lub niedobrowolne
przedłużenie pobytu: Należy zadbać o uzyskanie potwierdzenia przyczyny (np. zaświadczenie lekarskie, potwierdzenie blokady
drogi, wypadku, awarii itp. wystawione przez
odpowiedni urząd) oraz zachować wszystkie
rachunki dokumentujące poniesione koszty
(np. nocleg).
Akcja poszukiwawcza i ratownicza: Prosimy o
niezwłoczny kontakt pod numerem alarmowym.
Świadczenia po wypadku: Należy zachować
rachunki (koszty transportu, sprowadzenia
samochodu, doraźnej pomocy medycznej
włącznie z dokumentacją leczenia itp.) oraz po
powrocie przedłożyć je nam wraz z potwierdzeniem wykupienia wycieczki i dokumentem
ubezpieczeniowym.
Europäische Reiseversicherung AG
Kratochwjlestraße 4, A-1220 Wien
Mag. Wolfgang Lackner
Mag. (FH) Andreas Sturmlechner
Strona 2 z 5
Please note: The official text is the German version of the EUROPÄISCHE travel insurance conditions (Hotel Industry) 2012 (ERV-RVB Hotel Industry
2012) the „EUROPÄISCHE Reiseversicherungsbedingungen Hotellerie 2012 (ERV-RVB Hotellerie 2012)”. Any discrepancies or differences created in the
translation are not binding and have no legal effect for compliance or enforcement purposes.
EUROPÄISCHE travel insurance conditions (Hotel Industry) 2012
(ERV-RVB Hotel Industry 2012)
Please note, that only those parts shall apply which correspond to the scope of benefits of your insurance package.
I. General section
Article 1
Who is insured?
Insured persons are the persons specifically named in the proof of insurance.
Article 2
Where does the insurance cover apply?
The insurance cover shall apply in Europe in the geographical sense, the
Mediterranean states and islands, Jordan, Madeira and the Canary Islands.
Article 3
When does the insurance cover apply?
1.
2.
The insurance cover shall apply to one journey up to the selected duration of insurance. The following provisions relating to the journey are to
be applied accordingly to accommodation agreements also.
The insurance cover begins with the leaving of the town of residence or
of second residence or of the place of work, and ends with the return to
such place or the prior expiry of the insurance. Journeys between the
aforementioned places are not covered by the insurance.
The insurance cover for trip cancellation benefits shall commence upon
conclusion of the insurance (in the case of conclusion by means of bank
payment form, on the day after payment has been made, at 0.00 hrs.)
and shall end upon the start of the trip.
Article 4
When does the insurance have to be taken out?
1.
2.
3.
Insurance must be taken out before the start of the journey.
The insurance must be taken out at the same time as the journey is
booked.
If the insurance is taken out on the basis of an insurance offer which has
been sent with the booking confirmation, insurance taken out not later
than five days after the journey is booked is deemed to have been taken
out at the same time as the journey is booked.
If the insurance is not taken out at the same time as the journey is
booked, cover for trip cancellation benefits does not start until the 10th
day following conclusion of insurance (except in cases of accident,
death or act of God as described in Art. 14).
It is not possible to prolong the insurance protection after the start of
the journey.
Article 5
When does the premium have to be paid?
The premium shall be paid upon conclusion of the insurance agreement.
Article 6
What is not insured (exclusions)?
No cover is provided in respect of events which
1. are caused deliberately or with gross negligence by the insured person.
Deliberateness is also equivalent to an act or omission which must be
expected to cause the damage with probability, the risk of which is
however accepted;
2. occur in the context of participation in navy, military or air force services
or operations;
3. are connected with war, civil war, war-like conditions and internal unrest
and which occur on journeys which have been undertaken in spite of
travel warnings issued by the Austrian Foreign Ministry. If the insured
person is unexpectedly overtaken by any of these events during the insured trip, cover applies until immediate departure, and as a maximum
until the 14th day after the start of the event in question. In any event no
cover applies in respect of active participation in war, civil war, war-like
conditions and internal unrest;
4. occur as a result of violence on the occasion of public gatherings or
demonstrations if the insured person actively takes part therein;
5. are caused by strike;
6. are caused by the suicide or attempted suicide of the insured person;
7. occur in the context of participation in expeditions, or at altitudes of
over 5,000 m above sea level;
8. are caused as a result of official orders;
9. occur when the insured person is exposed to an increased risk of accident as a result of physical work, working with machinery, handling substances which are corrosive, poisonous, highly flammable or explosive
(not applicable in respect of trip cancellation). Normal activities in the
context of a period of residence as an au pair and in the hospitality and
hotel industry are insured in all cases;
10. are caused by the influence of ionising radiation within the meaning of
the Radiation Protection Act as amended, or by nuclear energy;
11. are suffered by the insured person as a result of a significant impairment
of his psychological and physical state of health due to alcohol, addictive drugs or medicaments;
Stan na 07/2012
12. result from the use of paragliders and hang-gliders (not applicable in
respect of trip cancellation);
13. arise in the context of participation in motor sports competitions (including points events and rallies), the training trips associated therewith,
motorised journeys on racing tracks and motor sports events (not applicable in respect of trip cancellation);
14. arise in the context of undertaking professional sports including training
(this does not apply in respect of trip cancellation);
15. occur in the course of participation in provincial, federal or international
sports competitions and in official training for such events (not applicable in respect of trip cancellation);
16. arise in the context of diving, if the insured person does not have any
internationally valid authorisation for the depth in question except in the
context of participation in a diving course with authorised diving instructors. In any event no cover is provided in the context of dives to a depth
of more than 40 m (not applicable in respect of trip cancellation);
17. occur in consequence of the exercise of an extreme sport or in connection with a particularly hazardous activity, if the activity in question is
associated with a hazard which far exceeds the normal risk associated
with a journey (not applicable in respect of trip cancellation).
Alongside these general exclusions from insurance protection, specific
exclusions are regulated in Articles 15 and 22.
Article 7
What do the sums insured mean?
1.
2.
The insured amount in each case constitutes the maximum payment by
the insurer for all insured events before and during the insured trip.
In the event of the conclusion of two or more insurances whose respective insurance periods overlap each other, the insured sum is not multiplied.
Article 8
What obligations have to be observed to maintain the insurance cover
(duties)?
The insured person must fulfil the following obligations, otherwise no payment will be made:
1. as far as possible avoid events insured against, keep any losses to a
minimum, avoid unnecessary costs and follow any instructions given by
the insurer;
2. immediately inform the insurer about the event insured against;
3. provide the insurer with full written information about the damaging
event and the amount of the loss;
4. truthfully issue all expedient information to the insurer, and permit any
reasonable investigation into the cause and the amount of the obligation
to pay, in particular empower and authorise the authorities, doctors, hospitals, social and private insurers concerned with the event insured
against to issue information;
5. in the event that damage has been caused by criminal acts, immediately
notify the competent local security service, precisely describing the circumstances and stating the extent of the damage, and have a certificate
of the notification made out;
6. hand over to the insurer, in the original, any evidence documenting the
cause and amount of the obligation to pay, such as police reports, confirmations by airlines, doctors‘ and hospital certificates and invoices,
proofs of purchase etc.
In addition to these general obligations, special obligations are set out in
Art. 16.
In the event of the intentional violation of any obligation, the insurer is released from payment; in the event of grossly negligent violation, the insurer is
released from payment only insofar as the violation has influenced the
ascertainment of the event insured against or of the amount of the benefit, or
has influenced the actual amount of the benefit.
Article 9
How do declarations have to be made?
Unless otherwise agreed, the written form is necessary for notifications and
declarations of the insured to the insurer.
Article 10
What applies in the event of entitlements from other insurance policies
(subsidiarity)?
All insurance benefits are subsidiary. They shall only be provided if compensation cannot be obtained from other private or social insurances.
Article 11
When is the compensation due?
1.
2.
Once the insurer’s obligation to pay has been determined in terms of
reason and amount, the compensation payment shall be due two weeks
thereafter.
If official investigations or proceedings have been initiated in connection
with the insured event, the insurer shall be entitled to raise a defence
that the debt is not yet due until conclusion of such.
Strona 3 z 5
Article 12
When can insurance claims be assigned or pledged?
Insurance claims can only be assigned or pledged if they have been finally
determined in terms of reason and amount.
Article 13
What law is applicable?
Austrian law applies insofar as is legally permissible.
II. Special section
A: Trip cancellation and trip interruption
Article 14
What is insured?
1.
2.
The subject matter of the insurance is the journey booked at the time of
the conclusion of the insurance (e.g. hotel or rental arrangement). Additionally booked benefits and travel expenses can be insured.
An insured event shall be if the insured person cannot commence or has
to break off the trip for one of the following reasons
2.1. unexpectedly occurring serious illness, serious physical injury
caused by an accident, adverse reactions to a vaccination or
death of the insured person, if that necessarily results in incapacity to take the booked trip (in the context of psychological complaints, only if hospital treatment is provided on an inpatient basis
or treatment is provided by a psychiatric specialist);
2.2. loosening of implanted joints in the insured person, if this necessarily results in incapacity to take the booked trip;
2.3. pregnancy of the insured person, if the pregnancy is only determined after booking the journey. If the pregnancy has already
been determined before the booking was made, the cancellation
costs shall only be covered if severe pregnancy complications up
to the 35th week of pregnancy inclusive (medical certificate necessary) occur;
2.4. unexpected serious illness, serious physical injury caused by an
accident or death (including suicide) of a family member or
another person in a close personal relationship with the insured
person (this person must be specifically named to the insurer in
writing when the policy is taken out; per booking only one closely
related person may be named), making the presence of the insured person absolutely necessary;
2.5. serious damage to the property of the insured person at his place
of residence as a result of acts of God (flood, storm etc.), fire,
burst water pipes or the criminal act of a third party, making his
presence absolutely necessary;
2.6. loss of job without fault, as a result of notice of termination issued
by the employer to the insured person;
2.7. call-up of the insured person to basic military service or alternative civilian service, provided that the competent authority does
not recognise the booked journey as a reason for postponing the
call-up;
2.8. submission of an action for divorce (the corresponding application for separation by mutual agreement) to the competent court
immediately before the insured trip to be undertaken jointly by the
spouses concerned;
2.9. in the case of registered life partnerships, the submission of a petition for dissolution (in the case of amicable separation, the corresponding application) immediately before the insured trip to be
taken jointly by the partners concerned;
2.10. dissolution of the relationship of two partners living together (who
have had the same registered address for at least six months) by
the giving up of the joint residence immediately before the insured trip to be undertaken jointly by the partners concerned;
2.11. failure to pass the school-leaving certificate examination, or a similar final examination for a course of school education lasting at
least three years, by the insured person immediately before the
date of an insured trip booked before the examination;
2.12. receipt of an unexpected judicial summons of the insured person,
provided that the competent court does not accept the journey
booking as a reason for postponing the summons.
Only in respect of “Hotelstorno Premium” insurance package, the following trip cancellation and trip interruption reasons (Sec. 2.13. to Sec.
2.32.) are covered:
2.13. fracture of prostheses of the insured person, if this necessarily
results in incapacity to undertake the booked trip;
2.14. organ transplant of the insured person as donor or recipient;
2.15. unexpected serious illness, serious physical injury caused by an
accident or death of
– an additional person in a close personal relationship (this person must be specifically named to the insurer in writing when
the policy is taken out; consequently, a total of two closely related persons may be named per booking),
– the person who has been entrusted, in place of the insured
person and for the duration of the trip, with the care of family
members who are of minority age or in need of care, and who
are not co-travellers, if as a result the provision of such care is
not possible,
– the employee or colleague in the same company who is deputising for the insured for the duration of the trip,
making the presence of the insured person at the place of residence absolutely necessary;
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3.
4.
2.16. resignation of the employee or colleague in the same company
who is deputising for the insured person for the duration of the
trip, as a result of which the presence of the insured person at the
home town or city is urgently necessary;
2.17. dissolution of life partnership (existing for at least six months, not
necessarily living at the same address) immediately before the insured joint trip of the partners affected (an affidavit must be provided by the affected partners);
2.18. abduction or disappearance of a family member (police notification necessary);
2.19. criminal act involving threat or use of force against the insured
person;
2.20. significant financial damage (valued at over € 5,000) to the property of the insured person as a result of a crime against property
(theft, damage to property etc.) or accident within one month
prior to the start of the trip;
2.21. theft of travel tickets, passport (still valid for the booked trip) or
driver’s licence (for self-drive trips), if these are needed for the
trip and replacements cannot be procured in time;
2.22. damage caused by third parties or by an accident (not breakdown) or theft of the private vehicle of the insured person, with
which the trip should be performed, before or during the direct
arrival, if the trip cannot be carried out as planned as a result (repair not possible in time, replacement vehicle not available);
2.23. traffic accident involving the private vehicle of the insured person
on the direct way to the railway station/airport/port, if the booked
regular departure for the insured trip is missed as a result;
2.24. unexpected serious illness, serious physical injury caused by an
accident or death of a dog, cat or horse (pets) whose permanent
owner is the insured person, making the presence of the insured
person absolutely necessary for the care of the pet;
2.25. necessary neighbourly assistance by the insured person in the
event of a disaster (flood, landslide, accumulation of flood debris,
avalanche, earthquake, snow pressure, hurricane, landslip);
2.26. necessary disaster aid by the insured person as a member of the
fire service or rescue service;
2.27. calling of the insured person to a military exercise of the Federal
Army, provided the trip booking is not accepted as a reason for
non participation;
2.28. unforeseen taking up of a new employment relationship by the insured person, if the insured trip takes part in the first six months
of the new professional activity; employment relationship designates an employment relationship between the employee and
the employer which is subject to payment of social insurance
contributions and is governed by an employment contract. Cover
is provided in respect of employment relationships that are subject to payment of social insurance contributions and where the
working week is at least 15 hours, envisaged for a period of at
least one year;
2.29. necessary repetition by the insured person of a failed examination
at a school/university, if the repeat exam is unexpectedly held in
the trip period or within 14 days of the planned end of the trip,
and the trip has been booked before the date of the examination
which has not been passed;
2.30. non advancement of a pupil to the next school grade, if the trip in
question is a class trip;
2.31. failure in a final examination class of an educational course of at
least 3 years’ duration by the insured person, immediately before
the travel date for the insured trip;
2.32. cancellation of a wedding which was the reason for the insured
person’s trip. If several insurance contracts are concerned of the
cancellation, a maximum of € 40,000 is reimbursed for each cancelled wedding.
The insured event shall apply to the insured person concerned and
additionally for the following co-travelling persons with equivalent insurance:
– family members of the insured person concerned;
– per insured event a maximum of three further persons.
Any person who is similarly insured for such events with Europäische
Reiseversicherung AG Wien is deemed to have equivalent insurance.
Family members shall be the spouse (or registered life partner or live-in
partner in a joint household), the children (stepchildren, children-in-law,
grandchildren, foster children), the parents (step parents, parents-inlaw, grandparents, foster parents), the siblings and brothers-in-law and
sisters-in-law of the insured person; in the case of registered life partner
or live-in partner in a joint household also their children, parents and siblings.
Article 15
What is not insured (exclusions)?
No cover is provided if
1. the reason for the trip cancellation already existed or was foreseeable at
the time of the conclusion of the insurance or the reason for the trip interruption already existed or was foreseeable at the start of the journey;
2. the reason for cancellation or curtailment is connected with an existing
illness which has been treated
2.1. on an outpatient basis in the last six months or
2.2. on an inpatient basis in the last nine months
before the policy is taken out (in the event of trip cancellation) or before
the trip is started (in the event of trip interruption) (excluding check up
examinations);
3. the travel company, the hotelier or the lessor withdraws from the travel
agreement;
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4.
5.
tion arising from one event (e.g. the general weather situation) in respect
of several insured events during one calendar week (Saturday to Friday)
within the geographical scope as described in Art. 2 exceeds
€ 4,000,000 (cumulative claim limit), the compensation allocated to the
individual insured is reduced in proportion. In this case the insurer is liable for the compensation arising from the individual contract according
to the ratio of this cumulative claim limit to the sum of all compensation
amounts arising from the insurance contracts concerned.
the specialist doctor/medical examiner (see Art. 16, Sec. 5.) instructed
by the insurer does not confirm the incapacity to travel;
the reason for trip cancellation is connected with a pandemic or epidemic.
Article 16
What obligations have to be observed to maintain the insurance cover
(duties)?
The insured person must
1. upon the occurrence of the reason for cancellation insured against,
immediately cancel the trip, in order to keep the cancellation costs to a
minimum;
2. report the event insured against to the insurer immediately, stating the
reason for cancellation/interruption;
3. in the event of sickness or accident, have a corresponding confirmation
made out immediately by the doctor providing treatments (in the case of
interruption, the local doctor);
4. immediately send the following documents to the insurer:
– proof of insurance;
– for trip cancellation: cancellation costs invoice and claim form completed in full;
– booking confirmation
– unused or rebooked travel documents (e.g. flight tickets);
– documents concerning the event insured against (e.g. mother/child
pass, call-up order, petition for divorce, school leaving certificate,
death certificate)
– in the event of sickness or accident: detailed medical certificate or
accident report (in the case of mental illness, this confirmation should
be provided by a psychiatric specialist), sickness notification sent to
your social insurance company and confirmation of medicines prescribed;
5. at the insurer’s request, allow himself/herself to be examined by a
doctor designated by the insurer.
C: Search and Rescue, benefits following an accident
Article 20
Which search and rescue costs are refunded?
1.
2.
Article 21
What is covered in the event of physical injury due to an accident?
1.
2.
Article 17
How much is the compensation?
The insurer shall refund up to the agreed insured sum
1. in the event of cancellation of the journey, the cancellation costs that
were contractually due by the time of the occurrence of the insured
event;
2. in the event of trip interruption the paid but unused parts of the insured
trip;
No reimbursement is paid for gun fees and hunting licences in the context of
hunting trips.
3.
4.
B: Delayed arrival and involuntary extension of holiday
Article 18
What costs are reimbursed in the event of delayed arrival?
1.
2.
Insured event
An insured event has occurred if one of the following events occurs during the journey to the booked place of stay and as a result it is not possible to reach the place of stay on the booked date:
1.1. accident or traffic accident of the insured;
1.2. technical failure of the private vehicle used;
1.3. delay of a public means of transport (including flight delay) of at
least two hours (based on delayed arrival at the destination).
No insurance cover is provided in the event of natural disasters,
closing of airspace, closing of airports, closing of roads, traffic
congestion, flight delays where connecting flight tickets have
been booked and the minimum transfer times have not been observed;
1.4. Road closure due to a local weather event (e.g. avalanche risk,
flood debris, flooding).
Confirmation of the facts must be obtained from the airline, the transport provider or the competent authority.
Compensation
Reimbursement is provided for the necessary and proven additional
costs in respect of overnight accommodation and meals up to the
agreed insured sum (single cover). If the compensation arising from one
event (e.g. the general weather situation) in respect of several insured
events during one calendar week (Saturday to Friday) within the geographical scope as described in Art. 2 exceeds € 800,000 (cumulative
claim limit), the compensation allocated to the individual insured is reduced in proportion. In this case the insurer is liable for the compensation arising from the individual contract according to the ratio of this
cumulative claim limit to the sum of all compensation amounts arising
from the insurance contracts concerned.
Insured event
The insured person must be recovered because he has suffered an accident, is in distress in the mountains or at sea or there is a justified assumption of one of the situations.
Compensation
The insurer shall refund up to the agreed insured sum the proven costs
of the search and rescue for the insured person and his transport to the
nearest trafficable road or to the nearest hospital.
5.
The insured event is the occurrence of physical injury to the insured as a
result of an accident during the booked trip.
The insurer reimburses, up to the agreed insured sum, the necessary
proven costs in respect of
2.1. transport to the nearest hospital;
2.2. initial medical treatment;
2.3. home transport with medically suitable means of transport;
2.4. return journey (travel costs) of the insured using the least expensive appropriate means of transport;
2.5. transport of vehicle and luggage to the place of residence, if the
vehicle is 50 km or more from the place of residence and the insured and the other persons travelling with the insured are not
able to drive the vehicle.
If the insured suffers an accident during the booked trip and a rigid
dressing (plaster cast) is applied on the basis of medical necessity, the
insured receives € 50 for each remaining day of the booked holiday after
the rigid dressing has been applied.
The doctor’s and/or hospital bills must include the name and date of
birth of the insured and the nature of the illness and treatment. The bills
or receipts must be made out in German, English, Italian, Spanish or
French, otherwise the costs of translation will be offset.
Payments will be made in Euros. Currencies will be converted on the
basis of the proven exchange rate, provided the purchase of the currencies in question is proven. If no proof is provided in this regard, the exchange rate as stated in the Official Journal of the Austrian Fiscal Administration [Amtsblatt der österreichischen Finanzverwaltung] on the date
of the insured event is applied.
Article 22
What is not insured (exclusions)?
No insurance cover is provided in respect of accidents
1. in the context of the use of aircraft, except as a passenger in a motor
aircraft for which a passenger transport permit has been obtained. A
passenger is deemed to be any person who is not causally connected
with the operation of the aircraft, or a member of the crew, or exercising
any professional activity by means of the aircraft;
2. in the context of driving land or water vehicles, if the driver does not
possess the driver authorisation necessary for the use thereof in the
country where the accident occurs. This applies even if the vehicle is
not driven on roads where there is public traffic.
Article 19
What costs are reimbursed in the event of involuntary extension of holiday?
1.
2.
An insured event has occurred if the insured cannot end the booked
stay as planned because:
1.1. an accident has occurred,
1.2. he has fallen ill, or
1.3. a road has been closed due to a local weather event (e.g. avalanche risk, flood debris, flooding)
In the case of a road closure, confirmation must be obtained from the
competent authority.
Compensation
The insurer reimburses the additional costs arising in the quality as
booked up to the agreed insured sum (single cover). If the compensa-
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